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Worksite Banking It’S the Right Combination That Counts

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Worksite Banking It’S the Right Combination That Counts Worksite Banking It’s the right combination that counts EmployeeNow terms available and to conditions you! Imagebroschuere_englisch.indd 1 02.04.2007 14:01:10 Uhr Imagebroschuere_englisch.indd 2 02.04.2007 14:01:11 Uhr Especially for you Worksite Banking Originally, as a subsidiary of Degussa AG, De- Thanks to our lean and effi ciently organized gussa Bank supported the company’s emplo- operations, we can keep costs low, enabling us yees in all fi nancial matters. As a direct result of to pass on these benefi ts to our customers. This this tradition, which goes back more than 100 means that you, your family and your friends al- years, fairness and continuity in particular are ways enjoy favourable terms and conditions. qualities which we take for granted. Currently, we are represented by our bankshops We call this Worksite Banking. at over 160 well-known partner companies. It’s the right combination that counts! Personal dialogue, professional competence at a time that suits you. This service, combined and trust play a crucial role, especially when with exclusive employee terms and conditions, it comes to diffi cult individual investment or fi - is tailor-made for you. nancing decisions. So it is a great advantage if your contact person is personally available for Put it to the test! you directly at the place where you work, and Services which we provide as a matter of course: Free current account No account fees or transaction charges – with no ifs and buts! Free custody account Free clearing account, no charges for limited orders, favourable transaction prices TOPZins call account Withdrawable on demand, variable interest from the very fi rst Euro. Ask for our current rates. Worksite Banking on employee terms and conditions Imagebroschuere_englisch.indd 3 02.04.2007 14:01:12 Uhr Developed just for you A carefully thought-out concept Savings & Investment What type of investor are you? with freely selectable products In terms of return, are your investments optimally matched to your life situation Employees of our partner fi rms have access to individual elements in your concept are kept as and your wishes? all standard and innovative fi nancial services. fl exible as possible so that they can be adapted We take the time to understand your specifi c life to any changes that may arise in the future. situation, your wishes and your goals, and build your personal fi nancial planning around them. Our mission is to satisfy your needs in all Together, we select the products for your indivi- fi nancial aspects on a long-term basis. dual credit and investment wishes that are best suited to your needs. We make sure that all the Accounts & Cash Are your savings instalments matched to your liquidity? Do you have a number of bank accounts, making a structured investment approach diffi cult? Home & Finance Would you prefer to invest in own wealth creation rather than keep paying rent? Instead of paying rent, do you know how much you could afford to pay towards a mortgage? Are your repayment options as fl exible as you would like them to be? Imagebroschuere_englisch.indd 4 02.04.2007 14:01:16 Uhr Savings & Investment What type of investor are you? In terms of return, are your investments optimally matched to your life situation and your wishes? Securities & Brokerage Are you already exploiting the possibilities of investment fund-linked risk cover? Have you considered investing in securities in your future fi nancial planning? Do all the elements of your future planning fi t properly together? Insurance & Retirement Planning Are you possibly under or over insured? Does your insurance cover match your present risk situation (new property, children, etc.)? Have you considered real estate in your future fi nancial planning? What can we do for you? Imagebroschuere_englisch.indd 5 02.04.2007 14:01:18 Uhr Our service offer As an innovative Worksite Bank, we offer you long-term advantages through the unique combi- nation of personal counselling at your workplace and special employee terms and conditions. Savings & Investment TOPZins call account Withdrawable on demand, variable interest from the very first Euro FestInvest Combination of a fixed-rate call account and the award-winning Degussa Bank fixed-income investment fund Flexible saving plans Risk-free investments with a range of saving and payout options, such as pension annuity plans or savings certificates Accounts & Cash Free current account with no ifs and buts Maestro Card/MasterCard/Visa Card Convenient, cashless payment as well as cash withdrawals at all partners worldwide Foreign exchange & travellers cheques Foreign banknotes and fully exchangeable travellers cheques bought and sold Internet Banking Account access anywhere and anytime at: www.degussa-bank.de Cash service terminals Cash withdrawals throughout Germany at all Degussa Bank cash service terminals and ING-DiBa cash dispensers Imagebroschuere_englisch.indd 6 02.04.2007 14:01:20 Uhr Securities & Brokerage Free custody account Free clearing account, no charges for limited orders, favourable transaction prices Fund picking Selected investment funds, continuous analysis by specialists, with reference to independent ratings and rankings Investment fund saving plans From 50 Euro, professional fund management with no custody charges Individual asset management An optimal portfolio strategy that matches both your personal investment goals and your life situation Home & Finance Real estate finance Fast and uncomplicated, with competent advisory services and special employee terms and conditions, no commitment fee for one year, with a buffer for homes still under construc- tion, and flexible repayment options Home ownership or investment properties with a ‘no worry’ cover package Personal loans Loans for your personal financing needs on employee terms and conditions Insurance & Retirement Planning Property & liability insurance Personal liability, household effects, building, accident, legal expenses or car insurance Health insurance Choose between full private health insurance or supplementary health insurance policies Personal provisioning & retirement planning Term, life, disability or pension annuity insurance, Riester-type pension plans and company pension schemes Imagebroschuere_englisch.indd 7 02.04.2007 14:01:31 Uhr Worksite Banking on employee terms and conditions Degussa Bank key fi gures in Million Euro 2004 2005 2006 Business volume 2,116 2,474 2,736 Total assets 2,106 2,469 2,726 Customer deposits 1,620 1,878 2,136 Gross loans and advances 1,888 2,205 2,518 Subscribed capital & reserves 69 69 80 Total liable capital (amount eligible for capital 129 136 162 adequacy requirements pursuant to Section 10 (5a) of the German Banking Act (KWG) Employees (annual average) 353 400 459 Through our membership of the Bundesverband deutscher Banken (German Banking Association) deposit guarantee fund, the assets of each individual customer are guaranteed up to an amount of 29,647,000 Euro. Imagebroschuere_englisch.indd 8 02.04.2007 14:01:41 Uhr Interested? Just mark the appropriate boxes with a cross! Yes, I would like more information about the following: Savings & Investment Accounts & Cash Securities & Brokerage ❒ TOPZins Call Account ❒ Free Giro Account ❒ Free Custody Account ❒ FestInvest ❒ Maestro Card/MasterCard/Visa Card ❒ Fund Picking ❒ Savings Certificates ❒ Internet Banking ❒ Investment Fund Savings Plans ❒ Pension Plans ❒ Cash Service Terminals ❒ Individual Asset Management Home & Finance Insurance & Retirement Planning ❒ Real Estate Finance Property & Liability Insurance ❒ Home Ownership/ ❒ Personal Liability ❒ Household Effects ❒ Accident ❒ Building Investment Properties ❒ Legal Expenses ❒ Car ❒ Other: ❒ Personal Loans Personal Insurance ❒ Full Private Health Insurance ❒ Supplementary ❒ Pension Annuity ❒ Riester-type Private Health Insurance Insurance Pension Plans ❒ Company Pension Schemes ❒ Term Insurance ❒ Disability Insurance Please give me a call: Name Address First name Tel. Mobile My Degussa Bankshop The best time to call me is on at hours I agree to my being informed about the services of Degussa Bank Signature by phone or in writing. Especially for you. For others too? Name of new customer New clients on your recommendation A new customer is deemed to be any person who opens an Street, No. account by 1 May 2007 and who does not have any business Postal code, City/town dealings with Degussa Bank at the time when the coupon is received. Persons may not recommend themselves. Tel. Mobile Date of birth Our thanks to you My Degussa Bankshop A petrol coupon worth 25 Euro will be sent to you about three weeks after the new account opened by the Signature recommended new customer has been actively used. Your contact details Please fill out this coupon together with the new customer you recommend and return it to us. Name of person making the recommendation Street, No. Further conditions: Postal code, City/town Any Degussa Bank customer who already has an account with us can recommend new customers. Both the person recommending a new customer and the new recommended customer must be named on the coupon. The new customer must Tel. Mobile actively use his or her account within three months of the time the new customer is recommended. The coupon must be received by Degussa Bank before or at the time Date of birth when the new customer opens the account. The customer will receive one ARAL petrol coupon worth 25 Euro for each new Degussa Bank customer. Payment in cash or delivery of this coupon to an address outside Germany is
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